SCIB Portfolio Management Associate, Santander

• Bachelor degree or equivalent work experience. Working knowledge of credit analysis, financial statements, portfolio monitoring, covenant tracking, collateral monitoring and lending documentation. Exposure to Infrastructure Finance, Structured Finance, Leveraged Finance, IG corporate lending or GTB preferred
• Strong analytical, organizational and written communication skills
• Ability to perform financial spreading, covenant calculations and recurring portfolio tracking
• Strong Excel skills and comfort with credit, covenant, loan and reporting systems
• Ability to manage deadlines and escalate issues clearly
• Attention to detail and commitment to high-quality work product
• Curiosity, ownership and willingness to learn complex lending products
• Strong collaboration across Business, Credit, Risk and Operations
• Good judgment in identifying exceptions and escalation items
• Bachelor Degree or equivalent work experience
• 3-6 years of relevant experience in portfolio management, credit analysis, financial spreading, lending, agency, credit administration, risk management or related roles
• Other: Completion of bank-certified course in Credit Training - Preferred

Desirable

• The SCIB Portfolio Management Associate is an individual contributor role within US SCIB COO Lending Solutions responsible for supporting portfolio monitoring, credit reviews, financial spreading, covenant tracking, collateral monitoring and lifecycle credit administration across SCIB lending portfolios
• The role supports a range of business lines and products, including Infrastructure Finance, Structured Finance, Leveraged Finance, Investment Grade corporate lending and GTB-linked credit exposures
• Objectives are to 1) ensure accurate and timely portfolio monitoring support, 2) maintain high-quality credit, covenant, collateral and review materials, and 3) support a scalable first line portfolio management framework
• Credit Review Support
• Prepare drafts and supporting analysis for quarterly and annual reviews, including borrower performance, financial trends, covenant compliance, collateral status, rating considerations and risk commentary
• Perform credit spreading, ratio analysis, variance analysis and borrower update analysis using available financial statements and internal systems
• Maintain portfolio review calendars, deliverable trackers and supporting evidence for assigned portfolio names
• Covenant and Collateral Monitoring
• Track borrower reporting deliverables, financial covenants, non-financial covenants, borrowing base requirements, collateral documents, insurance requirements and other ongoing obligations
• Identify missing items, potential breaches, data quality issues and exceptions for escalation to Portfolio Management leadership, Credit, Agency, Legal or Operations as appropriate
• Update covenant, collateral and portfolio monitoring tools accurately and timely
• Amendment and Waiver Support
• Support analysis and tracking for amendments, waivers, consents, extensions, repricings and other lifecycle events
• Coordinate with Transaction Management, Credit, Legal, Agency and Operations to gather information and track approvals, documentation changes and system updates
• Maintain documentation and evidence of lifecycle decisions and post-close or post-amendment follow-ups
• Portfolio Reporting and Controls
• Prepare recurring portfolio reports, exception trackers, covenant dashboards, collateral monitoring updates and management reporting inputs
• Support internal control, audit, credit review and regulatory information requests related to portfolio monitoring activities
• Assist with data quality cleanup, process improvement initiatives and procedure documentation
• Stakeholder Collaboration
• Work with Front Office, Credit, Risk, Agency, Operations, Transaction Management and Finance to obtain data, resolve monitoring issues and support timely reviews
• Provide support across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB portfolios as assigned
• Help train analysts on spreading, covenant tracking, monitoring tools and review preparation standards